Richmond, VA · Charter 24616
NCUA · 2 branches
Q3 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 1.19% | 0.22% | 0.94% | 0.86% | +82 bps | |
| Return on Equity | 0.28% | 7.52% | 1.15% | 4.75% | 4.17% | +389 bps | |
| Net Interest Margin | 2.40% | 2.80% | 2.53% | 2.67% | 2.88% | +48 bps | |
| Efficiency Ratio | 73.05% | 72.50% | 91.85% | 73.01% | 75.48% | +244 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.87% | 4.71% | -14.67% | -19.25% | -21.76% | -2,463 bps | |
| Loan Growth (YoY) | -19.69% | -24.55% | -26.08% | -22.01% | -38.84% | -1,915 bps | |
| Share Growth (YoY) | 3.37% | 4.10% | -18.99% | -24.76% | -27.37% | -3,074 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.11% | 0.00% | 0.00% | 0.00% | 0.00% | -1,111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.56% | 6.49% | 7.68% | 7.37% | 8.60% | -96 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.48% | 15.80% | 19.16% | 19.86% | 20.61% | +613 bps | |
| Net Worth / Assets | 14.48% | 15.80% | 19.16% | 19.86% | 20.61% | +613 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.85% | 19.86% | 21.13% | 22.56% | 20.08% | -377 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |